WILL COUNTY HABITAT FOR HUMANITY (EIN 363564555) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1988

Legal Domicile

Principal Officer

NICOLE MURRAY

Phone

8157147100

Tax Period

2023-07-01 to 2024-06-30

WILL COUNTY HABITAT FOR HUMANITY, founded in 1988, is a community nonprofit in the Housing & Shelter sector that reported $4.9M in total revenue in fiscal year 2023. Revenue surged 116% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.5M, a strong 31% operating margin.

Mission

BUILD AND SELL AFFORDABLE HOMES TO QUALIFIED LOW INCOME FAMILIES IN THE WILL COUNTY AREA AND PROVIDE FUNDING FOR THESE HOMES WITH INTEREST FREE MORTGAGES AND A REPAYMENT TERM OF 20 TO 30 YEARS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $3,231,486

Program Service Revenue $1,552,254

Investment Income $0

Other Revenue $146,566

TOTAL REVENUE $4,930,306

Expense Breakdown

Grants Paid $9,178

Salaries & Benefits $1,302,038

Fundraising Expenses $381,003

Program Expenses $2,007,400

Other Expenses $2,073,928

TOTAL EXPENSES $3,385,144

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,930,306	$2,278,123	+1.2%
Expenses	$3,385,144	$1,910,874	+0.8%
Net Income	$1,545,162	$367,249	+3.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

5400

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$236,495

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TOM LANCASTER	PRESIDENT	1.00	Officer Director	$0	$0	$0
ASHLEY BECHTOLD	PAST PRESIDENT	1.00	Director	$0	$0	$0
TIM BROPHY	SECRETARY	1.00	Officer Director	$0	$0	$0
REID FILOTTO	TREASUTER	1.00	Officer Director	$0	$0	$0
EUGENIE CHECKO	DIRECTOR	1.00	Director	$0	$0	$0
GREG SITAR	DIRECTOR	1.00	Director	$0	$0	$0
JESSICA DELOACH	DIRECTOR	1.00	Director	$0	$0	$0
JUDY MITCHELL	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT CZERKIES	DIRECTOR	1.00	Director	$0	$0	$0
SAMANTHA BLUEMER	DIRECTOR	1.00	Director	$0	$0	$0
NICOLE MURRAY	EXECUTIVE DIRECTOR	40.00	Officer	$115,094	$0	$115,094
DAVE NEARY	ASSOCIATE DIRECTOR	40.00	Officer	$121,401	$0	$121,401

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2024	$4,930,306	$3,385,144	$7,082,256	$1,545,162
2023	$2,278,123	$1,910,874	$3,592,431	$367,249
2022	$2,305,975	$2,017,060	$1,995,209	$288,915
2021	$2,833,756	$2,525,930	$4,535,896	$307,826
2020	$2,344,448	$2,535,128	$4,171,215	$-190,680
2019	$1,599,360	$1,309,097	$4,281,193	$290,263
2018	$1,476,774	$1,112,466	$4,032,701	$364,308

WILL COUNTY HABITAT FOR HUMANITY